Wierzyciel (WAR:WRL) E10: zł-0.09 (As of Mar. 2026)


WAR:WRL Wierzyciel SA WAR:WRL
59 GF Score
Price zł0.67
GF Value zł0.96
Valuation Possible Value Trap
! 2 Warning Signs
View Full Analysis

What is Wierzyciel E10?

Wierzyciel WAR:WRL +0.90% 59 E10 is zł-0.09 as of Mar. 2026. GuruFocus rates WAR:WRL with a GF Score™ of 59/100 and a GF Value™ of zł0.96 (Possible Value Trap). The stock has 2 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Wierzyciel's adjusted earnings per share data for the three months ended in Mar. 2026 was zł-0.025. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is zł-0.09 for the trailing ten years ended in Mar. 2026.

Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

As of today (2026-07-06), Wierzyciel's current stock price is zł0.674. Wierzyciel's E10 for the quarter that ended in Mar. 2026 was zł-0.09. Wierzyciel's Shiller PE Ratio of today is .

During the past 13 years, the highest Shiller PE Ratio of Wierzyciel was 47.60. The lowest was 0.33. And the median was 0.49.


Wierzyciel  (WAR:WRL) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

During the past 13 years, the highest Shiller P/E Ratio of Wierzyciel was 47.60. The lowest was 0.33. And the median was 0.49.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Wierzyciel E10 Related Terms


Wierzyciel E10 Historical Data

* Premium members only.

The historical data trend for Wierzyciel's E10 can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Wierzyciel E10 Chart

Wierzyciel Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.22 0.01 -0.03 -0.06 0.00

Wierzyciel Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -0.06 -0.07 -0.07 0.00 -0.09

WAR:WRL vs V, MA, AXP: E10 Comparison

For the Credit Services subindustry, Wierzyciel's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Wierzyciel Shiller PE Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Wierzyciel's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Wierzyciel's Shiller PE Ratio falls into.


WAR:WRL
59GF Score
Wierzyciel SA WAR:WRL
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Wierzyciel E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Wierzyciel's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=-0.025/163.0700*163.0700
=-0.025

Current CPI (Mar. 2026) = 163.0700.

Wierzyciel Quarterly Data

per share eps CPI Adj_EPS
201606 0.013 99.552 0.021
201609 0.028 99.064 0.046
201612 0.000 100.366 0.000
201703 0.006 101.018 0.010
201706 0.031 101.180 0.050
201709 0.001 101.343 0.002
201712 0.010 102.564 0.016
201803 -0.026 102.564 -0.041
201806 -0.031 103.378 -0.049
201809 -0.032 103.378 -0.050
201812 -0.048 103.785 -0.075
201903 -0.042 104.274 -0.066
201906 -0.019 105.983 -0.029
201909 -0.016 105.983 -0.025
201912 -0.025 107.123 -0.038
202003 -0.050 109.076 -0.075
202006 -0.018 109.402 -0.027
202009 -0.058 109.320 -0.087
202012 -0.057 109.565 -0.085
202103 -0.029 112.658 -0.042
202106 -0.030 113.960 -0.043
202109 -0.023 115.588 -0.032
202112 -0.027 119.088 -0.037
202203 -0.028 125.031 -0.037
202206 -0.029 131.705 -0.036
202209 -0.020 135.531 -0.024
202212 -0.018 139.113 -0.021
202303 -0.014 145.950 -0.016
202306 -0.015 147.009 -0.017
202309 -0.012 146.113 -0.013
202312 -0.015 147.741 -0.017
202403 -0.020 149.044 -0.022
202406 -0.015 150.997 -0.016
202409 0.010 153.439 0.011
202412 -0.012 154.660 -0.013
202503 0.005 157.021 0.005
202506 -0.016 157.509 -0.017
202509 0.018 158.000 0.019
202512 0.000 158.320 0.000
202603 -0.025 163.070 -0.025

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of zł-0.09 mean?
Wierzyciel (WAR:WRL) has a E10 of zł-0.09 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Wierzyciel and its competitors.
Is Wierzyciel's E10 too high?
Wierzyciel's current E10 is zł-0.09. Overall, Wierzyciel has a GF Score™ of 59/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Wierzyciel's E10 compare to V and MA?
Wierzyciel's E10 of zł-0.09 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Credit Services company?
A good E10 depends on the Credit Services industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Wierzyciel and its competitors. Wierzyciel's current E10 is zł-0.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Wierzyciel stock overvalued right now?
Based on GuruFocus' analysis, Wierzyciel (WAR:WRL) is currently considered Possible Value Trap. The stock's GF Value™ is zł0.96, compared to a current price of zł0.67 — trading 29.8% below its estimated fair value. The current E10 is zł-0.09. Wierzyciel's overall GF Score™ is 59/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Wierzyciel (WAR:WRL), the current E10 is zł-0.09 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Wierzyciel (WAR:WRL) Overvalued in 2026?

Based on GuruFocus' analysis, Wierzyciel stock appears to be undervalued. The current stock price of zł0.67 is trading 29.8% below its estimated GF Value™ of zł0.96. GuruFocus considers Wierzyciel to be Possible Value Trap.

Key valuation signals for WAR:WRL:

  • E10: zł-0.09
  • GF Value™: zł0.96 vs. price of zł0.67 (29.8% below fair value)
  • GF Score™: 59/100 with 2 warning signs

No single metric tells the full story. See the WAR:WRL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Wierzyciel Business Description

Address street Nowy ?wiat 3, Ruda Slaska, POL, 41-706
Wierzyciel SA is a Poland based company engaged in the consumer financial services provision. The company also operates on the cash loan sales market.
59GF Score

Get the complete analysis for WAR:WRL

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

zł0.67
Price
zł0.96
GF Value